59) Which of these is usually true of an HMO prescription drug plan?

a) An annual deductible must be satisfied

b) Coverage is restricted to generic drugs

c) Drugs are dispensed through participating pharmacies

d) In-network benefits are paid on a reimbursement basis

62) For federal income tax purposes, benefits received from a personally-owned qualified long-term care policy are generally:

a) Excluded from the beneficiary's income

b) Included in the beneficiarys gross income

c) Included in the beneficiary's net income

d) Deducted from the beneficiary's gross income

67) An insurance company is normally responsible to its appointed producers for all of the following EXCEPT:

a) Paying commissions to the producers

b) Communicating market practices guidelines

c) Providing advertising materials

d) Absorbing all of the producers' liability